Core Viewpoint - The upcoming Mid-Autumn Festival and National Day holidays are expected to boost consumer spending, prompting financial institutions like China Minsheng Bank to enhance support for consumption through various promotional activities [1][2]. Group 1: Consumer Market Trends - The consumer market is entering a peak season as the dual holidays approach, with a focus on diverse consumer needs and quality service [1][2]. - The National Bureau of Statistics reported a 3.4% year-on-year increase in retail sales of consumer goods in August, indicating a growing demand for quality and service-oriented consumption [2]. Group 2: Financial Services Innovations - China Minsheng Bank's credit card center is launching a series of promotional activities, including exclusive offers for the Minsheng Sam's Club co-branded credit card and various discounts across multiple brands [2][3]. - The bank is collaborating with major platforms like JD.com, Meituan, and Alipay to enhance consumer experience through initiatives like the "One-Click Card Binding" campaign, offering up to 188 yuan in payment discounts [3][5]. Group 3: Enhancing Consumer Experience - The bank's "All-in-One Manager" service extends discounts to everyday life services, allowing cardholders to enjoy savings on utility payments and other daily expenses [5][6]. - The integration of financial services with daily consumer needs aims to create a more convenient and beneficial experience for customers, reflecting the bank's commitment to enhancing the quality of life [5][6]. Group 4: Future Outlook - The "Double Festival" activities are seen as a starting point for ongoing innovation in financial services, with the bank aiming to continuously optimize products and services to inject new momentum into the consumer market [6].

Group 1 - The concept of "suitability management" refers to financial institutions identifying, advising, matching, selling, and trading products based on their attributes and risks, alongside clients' financial needs and risk tolerance [2] - Financial institutions are responsible for ensuring that suitable products are sold to appropriate clients, adhering to legal and regulatory requirements [2] - Risk levels of financial products are categorized from low to high, with five levels defined: Level 1 (low risk), Level 2 (lower risk), Level 3 (medium risk), Level 4 (higher risk), and Level 5 (high risk) [3][4] Group 2 - Level 1 products primarily invest in low-risk short-term financial assets, such as money market funds and cash management products [3] - Level 2 products mainly invest in debt assets with a low proportion of equity assets, presenting a lower overall risk [3] - Level 3 products typically invest in debt assets with equity assets not exceeding 40%, facing some risk of principal loss [3] Group 3 - Level 4 products invest in both equity and debt assets, with equity assets exceeding 40%, thus facing significant principal loss risks [3] - Level 5 products can invest entirely in equity or derivative assets, facing extreme risks of principal loss [3] - The risk ratings are based on past performance and risk conditions of similar products, but do not guarantee future risk-return characteristics [4] Group 4 - Investors must undergo a risk tolerance assessment before purchasing financial products, ensuring their risk capacity meets or exceeds the product's risk level [6] - The assessment includes factors such as age, financial status, investment experience, objectives, expected returns, risk preferences, liquidity needs, and loss tolerance [6] - The validity of the risk assessment is twelve months, after which a new assessment is required for purchasing bank-distributed products [8]

Core Viewpoint - Minsheng Bank's Beijing branch is actively implementing a comprehensive consumer protection system, focusing on anti-fraud measures, counterfeit currency prevention, and elderly care, to enhance financial service safety and convenience for the public [3][9]. Group 1: Consumer Protection Initiatives - The bank has established a "Big Consumer Protection" work system, emphasizing the political and public nature of financial work, and is committed to safeguarding consumers' financial interests [3][9]. - Various activities have been organized, including over 300 events targeting the elderly, such as health checks and cultural performances, to promote financial literacy and well-being [4][5]. Group 2: Targeted Education and Outreach - The bank conducts tailored financial education programs for different demographics, including the elderly and youth, using engaging methods like games and hands-on activities to improve financial literacy [5][6]. - Community outreach efforts include practical services like counterfeit currency identification and small denomination currency exchange, aimed at workers, villagers, and foreign nationals [6][10]. Group 3: Innovative Communication Strategies - Minsheng Bank employs a dual approach of online and offline education, utilizing public education zones in branches and digital platforms to disseminate financial knowledge and risk awareness [7][8]. - The bank collaborates with local authorities and community organizations to enhance the effectiveness of its educational initiatives, including joint efforts with law enforcement to address fraud and counterfeit issues [7][9]. Group 4: Service Optimization and Accessibility - The bank is committed to improving service accessibility through infrastructure upgrades, ensuring all branches meet standards for serving visually impaired consumers and providing convenient facilities for the elderly [9][10]. - Innovations in service processes include integrating financial education into all customer interactions and enhancing the functionality of self-service devices to cater to the needs of older clients [9][10].

1. Report Industry Investment Rating No information about the report industry investment rating is provided in the given content. 2. Core Viewpoints of the Report - External environment factors such as interest rate fluctuations, bond supply - demand, and policy orientation jointly impact bond investment returns. In H1 2025, the bond investment of 42 listed banks showed certain characteristics in scale, structure, and profit and loss, but there are still challenges in maintaining stable returns in the future [1]. - The overall bond investment scale of 42 listed banks expanded steadily in H1 2025. There were differences in the investment structure among different types of banks, with state - owned banks and city commercial banks having stable growth in the bond allocation portfolio, while joint - stock banks and rural commercial banks increased their efforts in the bond trading portfolio. The bond investment portfolio generally presented a pattern of "stable foundation and flexible gain" [1]. - The coupon income of 42 listed banks was generally stable in H1 2025 but showed a slight year - on - year decline. The fair value change loss was significant, and the investment income increased. However, the bond investment of the banking industry still faces pressure to maintain stable returns [1]. 3. Summary According to the Table of Contents 3.1 42 Listed Banks' Bond Investment Volume - **Overall Bond Investment Scale: Steady Expansion**: In H1 2025, the total scale of the three types of bond - type financial assets of 42 listed banks showed a steady expansion trend. The growth of debt investment - type financial assets measured at amortized cost was relatively slow, while the growth of trading financial assets measured at fair value and included in current profits and losses was relatively large, indicating that banks increased the proportion of trading positions [9]. - **Differentiated Bond Investment Distribution Structures among Different Bank Types**: In H1 2025, state - owned banks and city commercial banks showed stable growth in the bond allocation portfolio, which may be related to their participation in the primary - market issuance of important national and regional bond varieties. Joint - stock banks and rural commercial banks slightly weakened their bond allocation power but significantly increased their efforts in the bond trading portfolio, showing a differentiated feature of "stable allocation by large banks and prominent trading flexibility by small and medium - sized banks" [13]. - **Bond Investment Allocation Tilted towards Government - Related Bonds**: In H1 2025, commercial banks increased their allocation of government - related bonds, with an average month - on - month increase of about 10% for state - owned banks, joint - stock banks, and city commercial banks, and a slightly smaller increase for rural commercial banks. The allocation of financial bonds and other bonds was differentiated. All banks held a relatively large scale of government - related bonds, followed by financial bonds and credit - related bonds [18]. - **Correlation between Financial Asset Types and Bond Variety Structures**: The banking industry maintained a stable growth of interest - rate bonds in the bond allocation portfolio and increased the allocation of credit bonds, while the allocation of financial bonds was relatively weak. In the bond trading portfolio, interest - rate bonds and financial bonds were the core varieties, with a more significant increase than credit bonds, showing a "stable foundation and flexible gain" pattern [22]. 3.2 42 Listed Banks' Bond Investment Profit and Loss - **Coupon Income: Generally Stable and Still the Main Source of Income**: In H1 2025, the total coupon income of 42 listed banks decreased slightly year - on - year. Although the scale of held - to - maturity bonds increased, the decline in the coupon rate of newly issued bonds led to a decrease in coupon income. In the future, coupon income is still expected to be the main source of bond investment income for commercial banks [26]. - **Fair Value Change Loss: Losses in the Trading Level**: In H1 2025, the total fair value change loss of 42 listed banks decreased significantly year - on - year, indicating that it was difficult to obtain capital gains through short - term trading in the volatile bond market, and there were floating losses in bond trading [28]. - **Investment Income: Growth in All Bank Types**: In H1 2025, the actual investment income of 42 listed banks in the bond field increased significantly year - on - year. Although the book value appreciation of bond - type trading financial assets and other debt investment - type financial assets was not as good as that of the previous year, banks could still increase their investment income by selling floating - profit old bonds and waiting for the maturity of high - coupon bonds [31]. 3.3 Attribution and Summary - **External Environment Driving Factors: Interest Rate Fluctuations, Bond Supply - Demand, and Policy Orientation Jointly Impact Bond Investment Returns**: In H1 2025, the "more adjustments and fewer opportunities" bond market environment led to a general decline in the prices of existing bonds, resulting in a significant year - on - year decline in the fair value change loss of listed banks' bond investment. The supply of national bonds, local government bonds, and policy - based financial bonds increased, but the coupon rate of newly issued bonds decreased, leading to a decline in coupon income. Regulatory policies indirectly affected bond investment performance [35]. - **Banking Industry's Bond Investment Pressure and Future Outlook** - Overall Income Shows a Positive Trend but There Are Still Hidden Concerns: In H1 2025, the actual bond investment income of 42 listed banks increased slightly year - on - year, but the coupon income faced downward pressure in the interest - rate downward cycle, and it was more difficult to obtain spread income through band trading. Since H2 2025, the "stock - strong and bond - weak" pattern has emerged, and the loss caused by fair value change will be more obvious [3]. - Different Bank Types Show Differentiated Performance, and State - owned Banks' Pressure Is Relatively Controllable: State - owned banks can maintain a certain profit - making ability in the low - interest - rate volatile bond market due to their advantages in bond allocation and trading portfolios. Joint - stock banks, city commercial banks, and rural commercial banks are more vulnerable, and they may increase their capital allocation in the equity market, commodity market, and related structured fixed - income products in the future [3].

9月26日，民生银行公告称，近日该行收到《国家金融监督管理总局关于民生银行修改公司章程的批 复》。自《公司章程》核准之日起，该行监事会依法撤销，职工监事已提交辞职函，原股东监事、外部 监事、职工监事不再继续履职，《中国民生银行股份有限公司监事会议事规则》等监事会及其专门委员 会相关公司治理制度废止，该行各项规章制度中涉及监事会、监事的规定不再适用，董事会审计委员会 行使《公司法》和监管制度规定的监事会职权。翁振杰、吴迪、鲁钟男、李宇、龙平、毛斌不再担任本 行监事，已确认与本行无不同意见，亦无任何其他相关事项需要通知本行股东及债权人。 （文章来源：中国经营报） ...

证券简称：民生银行 A股代码：600016 优先股简称：民生优1 特此公告 中国民生银行股份有限公司董事会 2025年9月26日 证券简称：民生银行 A股代码：600016 优先股简称：民生优1 优先股代码：360037 编号：2025-037 中国民生银行股份有限公司 关于公司章程修改获国家金融监督管理总局核准的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的 真实性、准确性和完整性承担法律责任。 中国民生银行股份有限公司（简称"本行"）于2025年6月26日召开的2024年年度股东会会议审议通过了 《关于修订〈中国民生银行股份有限公司章程〉的议案》。近日，本行收到《国家金融监督管理总局关 于民生银行修改公司章程的批复》（金复﹝2025﹞566号），国家金融监督管理总局已核准本行修改后 的公司章程。 根据相关规定，公司章程自国家金融监督管理总局核准后生效。修改后的公司章程（包括《中国民生银 行股份有限公司股东会议事规则》《中国民生银行股份有限公司董事会议事规则》）详见上海证券交易 所网站（www.sse.com.cn）和本行网站（www.cmbc.com.cn ...

中國民生銀行股份有限公司章程 （2025年9月23日國家金融監督管理總局核准） 1 經國務院國函[1995]32號《國務院關於設立中國民生銀行的批覆》、中國人民 銀行銀覆[1996]14號《關於中國民生銀行開業的批覆》，本行以發起方式設立，於 1996年2月7日在國家工商行政管理局登記註冊，取得營業執照。本行現統一社會 信用代碼為91110000100018988F。 本行成立時的發起人為：廣州益通集團公司、中國鄉鎮企業投資開發有限公 司、中國煤炭工業進出口總公司、中國船東互保協會、山東泛海集團公司、哈爾 濱亞麻廠、廈門福信集團有限公司、寧波市經濟建設投資公司、北京萬通實業股 份有限公司、杭州通普電器公司、昆明建華企業集團、深圳前進開發公司、希望 集團有限公司、哈爾濱歲寶熱電股份有限公司、鄭州夢達實業有限公司、河南電 力開發有限公司、昆明百貨大樓、南海市桂城商業貿易物資總公司、中國旅遊國 際信託投資有限公司、湛江經濟技術開發區財務開發公司、深圳市寶安區潤田企 業公司、鞍山市騰鰲區遼河飼料集團公司、廣東恒豐投資集團有限公司、山西安 泰國際企業（集團）股份有限公司、河南興亞企業集團有限公司、南寧南和發展公 司、長 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中國民生銀行股份有限公司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 公司章程修改獲國家金融監督管理總局核准 及 不再設立監事會 中國民生銀行股份有限公司（「本行」）於2025年6月26日召開的2024年股東周年大 會（「股東周年大會」）上審議通過了關於修訂公司章程的議案。近日，本行收到 《國家金融監督管理總局關於民生銀行修改公司章程的批覆》（金覆[2025]566號）， 國家金融監督管理總局核准本行修改後的公司章程。根據相關規定，本行修改後 的公司章程自國家金融監督管理總局核准後生效。 鑒於公司章程現已獲核准生效，本行監事會自本行公司章程核准之日起依法撤 銷。《中國民生銀行股份有限公司監事會議事規則》等監事會及其專門委員會相關 公司治理制度廢止，本行各項規章制度中涉及監事會、監事的規定不再適用，董 事會審計 ...

民生银行1996年成立，是国内首家由民营企业发起设立的全国性股份制商业银行。2000年、2009年先后 在上交所和香港联交所上市。 文/华夏ESG观察联盟 企业介绍 截至2024年年底，中国民生银行董事会关联委成员为6名，全部为独立非执行董事，均是金融、会计、 审计、法律等相关领域的资深专业人士。2024年，董事会关联委共召开5次会议，审议7项议题，听取3 项报告。 专家点评：民生银行以稳健治理赢得信赖，以责任金融引领未来，MSCI"AAA"评级见证其在全球ESG 舞台上的卓越表现。（施涵-香港大学） 实践案例 编辑：麻晓超 中国民生银行修订《中国民生银行员工行为禁止规定》《中国民生银行员工违规违纪行为处分办法》等 制度，组织全行员工学习并签署遵守员工行为禁止规定承诺书。2024年，共计开展合规培训6,989次， 累计培训人数26.3万人次。 中国民生银行持续加强洗钱风险管理文化建设。例如，举办"民生杯"劳动与技能竞赛暨反洗钱大比武赛 事，全行5万余人次参与。组织全行开展"打击洗钱犯罪，构建和谐民生"反洗钱短视频宣传，发布涉黑 涉恶、防非防诈等主题共计10期20份宣传视频及1期环境犯罪主题宣传海报。 中国民生 ...

中国民生银行股份有限公司股东会议事规则 （2025年6月26日经2024年年度股东会会议审议通过） 第一章 总则 第一条 中国民生银行股份有限公司（以下简称"本行"）为保证股东会依法行使职 权，规范股东会议事程序，根据《中华人民共和国公司法》《中华人民共和国证券法》《中 华人民共和国商业银行法》《上市公司章程指引》《上市公司股东会规则》《银行保险机 构公司治理准则》及其他有关法律、法规、规章、规范性文件、本行股票上市地证券监管 法规和《中国民生银行股份有限公司章程》（以下简称"《公司章程》")，结合本行实 际，制定本规则。 第二条 本规则适用于年度股东会会议及临时股东会会议，对本行、全体股东、股东 代理人、本行董事、高级管理人员和列席股东会会议的其他有关人员均具有约束力。 第三条 本行根据法律、法规、规章、规范性文件、本行股票上市地证券监管法规、 《公司章程》和本规则的规定召开股东会会议，保证股东能够依法行使权利。 本行董事会将切实履行职责，认真、按时组织股东会会议。本行全体董事将确保股东 会会议正常召开和依法行使职权。 第四条 持有本行股份的股东均有权根据法律、法规、规章、规范性文件、本行股票 上市地证券监 ...